Find and compare Marriot rewards credit cards

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Purchase Rate

19.74%

Interest Free Days

44

Annual Fee

$30

$15

More details

Purchase Rate

20.74%

Interest Free Days

55

Annual Fee

$64

for 12 months then $129

$30

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$30

$20

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$295

$20

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$375

$20

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$95

$20

More details

Purchase Rate

16.99%

Interest Free Days

55

Annual Fee

$125

$20

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$0

for 12 months then $30

$20

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$425

$20

More details

Purchase Rate

20.24%

Interest Free Days

55

Annual Fee

$95

$20

More details

Learn more about credit cards

Many credit cards have reward schemes, where you earn points for spending money. These points can be redeemed for goods and services. Credit cards with Marriott Rewards gives you access to a range of perks and bonuses associated with the Marriott hotel chain.

We’re going to look at the Marriott Rewards program, including:

  • Examples of some of the benefits this membership scheme gives you access to
  • Potential limitations of the scheme
  • Additional key facts about Marriot Rewards you should be aware of before signing the dotted line

What are credit card rewards?

Credit card reward schemes like Marriott Rewards are designed to reward the credit card owner with points for money they spend through the card. These points can ultimately be redeemed for goods and services, on anything from hotel stays to airline flights, and provide an incentive for credit card users who are making frequent purchases.

The trade-off generally comes in higher interest rates and fees, but if you are comfortable with this and capable of meeting your repayment obligations, credit cards with reward schemes can be an attractive option.

What sort of benefits can I receive through Marriott Rewards?

If you’re a frequent traveller, the Marriott Rewards credit card might be right up your alley. There are a range of perks and bonuses open to credit card reward scheme members who stay at Marriott hotels, or hotels operated by scheme partners like the Ritz-Carlton, AC Hotels and Residence Inn. These credit card perks and benefits include:

  • Hotel perks – Marriott Rewards members have access to a range of hotel perks including room upgrades and internet access. Top-tier Marriott rewards members can also unlock free breakfasts, hotel lounge access and frequent flyer benefits.
  • Lower rates – Travellers who are part of the Marriott Rewards program also have exclusive access to lower hotel rates when staying at participating venues. These rates generally can be accessed when you book directly with Marriott, or through approved travel professionals.
  • Additional perks – If you have a Marriott Rewards credit card you also have access to a range of additional bonuses, like exclusive travel rewards programs, gift cards at a range of major retailers and brands, select travel packages and priority pass options.

How do you earn Marriott Rewards points?

Credit card holders who are part of the Marriott Rewards program have a range of ways to earn Marriott Rewards points and unlock the benefits of this credit card rewards scheme:

  • Stay at a Marriott-branded hotel – Marriott Rewards scheme members get points for staying at Marriott-branded hotels and participating Ritz-Carlton locations around the world. The amount of points you earn depends on where you’re staying and the sort of accommodation you’ve booked at the participating hotel.
  • Make purchases at Marriott Rewards partners – The Marriott Rewards scheme has a range of partners which can provide a useful way to accumulate more points. Making purchases through travel companies like Hertz and CruisesOnly can be a quick way to accumulate more points and get you closer to the credit card rewards schemes benefits.
  • Book events with a Marriott-branded hotel – Booking an event with a credit card that’s part of the Marriott Reward scheme can also be a way to earn points quickly. This can be useful for business travellers, or even people planning big events like a wedding reception.
  • Inviting friends to join – You can also earn extra Marriott Rewards points by inviting friends to join up to the scheme, entitling you to a sign-on bonus.

How do you use Marriott Rewards points?

Once you’ve accumulated enough Marriott Rewards points, you have a range of redemption options to unlock the perks and benefits of this credit card rewards scheme. These include:

  • Free nights – You can use the points accumulated through the Marriott Rewards scheme to book free hotel stays at participating accommodation outlets.
  • Room upgrades – Points earned through the Marriott Rewards scheme can also be put towards room upgrades for a better view or a larger suite.
  • Extra perks and bonuses – Marriott Rewards points can also be put towards extra perks and bonuses such as travel experiences, priority treatment and exclusive access.

How long do Marriott Rewards last?

One important point for anyone who is considering signing up to the Marriott Rewards scheme is the potential for your credit card reward points to expire. And with Marriott Rewards, it really is a case of use your points or lose them. Marriott Rewards expire after 24 months without any qualifying activity. A qualifying activity could be marking a purchase with your Marriott Rewards card, taking a paid stay at one of the participating hotels or redeeming the points on your card.  

Can I transfer my rewards points?

It is possible to transfer points you’ve earned through the Marriott Rewards scheme to other Marriott Rewards members, but there are some strict limitations in place. You can transfer anywhere from 1,000 points to a maximum of 50,000 points per year for a small transaction fee, unless you’re a Gold or Platinum Elite member who can transfer points for free. In some cases, if transferring points to satisfy a specific award, you will be able to exceed the 50,000-point limit.

What are the pros and cons of credit card reward schemes?

Before signing up to a credit card that uses the Marriott Rewards scheme, it’s useful to acquaint yourself with the general pros and cons of credit card reward schemes.

Pros

  • Rewards – This is probably a bit of a given, but the perks are the main drawcard of rewards credit cards. These products typically give members exclusive access to perks like merchandise, travel bonuses and cashback discounts off purchases.
  • Bonus points – Some rewards cards offer bonus points just for signing up.
  • Tangible savings – If you’re loyal to a specific brand represented by the reward scheme, rewards credit cards can help you make tangible savings as a returning customer.
  • Extras – Rewards credit cards often give you access to extras like travel insurance, cashback offers and exclusive discounts on related products.

Cons 

  • Incentive to spend – With the promise of more points for spending more money, reward credit cards can sometimes encourage dangerous spending habits.
  • High fees and interest rates – Rewards credit cards often have high interest payments and high annual fees. Unless you’re paying off your balance in full every month, the incentive of the reward could be nullified by the extra payments you’re making.
  • Restrictions – Another sticking point can be the restrictions on the type of purchases that will allow reward scheme members to earn points, which is why it’s important to understand whether the reward credit card will complement your lifestyle.
  • Point capping and expiry – Many reward-based credit cards have point-capping regulations that restrict the amount of points you can earn in a year, and regulations that have points expire after a certain amount of time. These factors have the potential to undermine the value of your reward credit card.

Frequently asked questions

What's the best credit card for rewards?

There is no one-size-fits-all best rewards credit card. It's best you research what type of rewards program you'd like, as well as the fees, interest rate and conditions associated with those types of cards before making a choice. 

Rewards credit cards can also come with high annual fees that may end up nullifying the rewards, so think how often you use the card to decide whether the benefits outweigh the extra cost for you. A card with a lower annual fee might require a lot of spending to get any useful rewards, while another card with a higher annual fee might need fewer purchases to get a reward. 

How easy is it to get a credit card?

For most Australians, there are no great barriers to applying for and getting approved for a credit card. Here are some points that a lender will consider when assessing your credit card application.

Credit score: A bad credit score is not the be all and end all of your application, but it may stop you being approved for a higher credit limit. If your credit score is less than perfect, apply for the credit limit that you need, rather than the one you want.

Annual income: Most credit cards have minimum annual income requirements. Make sure you’re applying for a card where you meet the minimum.

Age & residency: You need to be at least 18 years old to apply for a credit card in Australia, and most require that you are an Australian citizen or permanent resident. However, there are some credit cards available to temporary residents.

Can a pensioner get a credit card?

It is possible to get a credit card as a pensioner. There are some factors to keep in mind, including:

  • Annual income. Look for credit cards with minimum annual income requirements you can meet. 
  • Annual fees. If high fees are a concern for you, opt for a card with a low or $0 annual fee. 
  • Interest rate. Make sure you won’t have any nasty surprises on your credit card bill. Compare cards with a low interest rates to minimise risk.

How do you cancel a credit card?

It’s important to cancel your old cards to avoid any additional fees. Unless you’re doing a balance transfer, you’ll need to pay the outstanding balance before you cancel your credit card. If you’ve opted for a card with reward points, make sure you redeem or transfer the points before you close your account. To avoid any bounced payments and save yourself an admin headache, redirect all your direct debits to a new card or account. Once you’ve done all the preparation, call your bank or credit card provider to get the cancellation underway. Once you receive a confirmation letter, destroy your card and make sure the numbers aren’t legible.

How do you use a credit card?

Credit cards are a quick and convenient way to pay for items in store, online or over the phone. You can use a credit card as a cashless way to pay for goods or services, both locally and overseas. You can also use a credit card to make a cash advance, which gives you the flexibility to withdraw cash from your credit card account. Because a credit card uses the bank’s funds instead of your own, you will be charged interest on the money you spend – unless you pay off the entire debt within the interest-free period. If you pay the minimum monthly repayment, you will be charged interest. There are many different credit card options on the market, all offering different interest rates and reward options.

How do you use credit cards?

A credit card can be an easy way to make purchases online, in person or over the phone. When used properly, a credit card can even help you manage your cash flow. But before applying for a credit card, it’s good to know how they work. A credit card is essentially a personal line of credit which lets you buy things and pay for them later. As a card holder, you’ll be given a credit limit and (potentially) charged interest on the money the bank lends you. At the end of each billing period, the bank will send you a statement which shows your outstanding balance and the minimum amount you need to pay back. If you don’t pay back the full balance amount, the bank will begin charging you interest.

What should you do if your credit card is compromised?

Credit card fraud is a serious problem. If your credit card is compromised and you’re wondering what to do, here are a few precautionary steps to take.

Contact you credit provider – Get in touch will your credit card provider. If you feel your card has been compromised, you should be able to lock or block it.

Monitor your accounts – Keep an eye on your credit card accounts. Any unauthorised transactions could be a sign your credit card has been compromised.

Check your credit rating – It’s also important to check your credit rating, to ensure you’re not a victim of identity theft or some other financial mischief.

How to get a credit card for the first time

A credit card can be a useful financial tool, provided you understand the risks and can meet repayment obligations.

If you’re a credit card first-timer, review your options. Think about what kind of credit card would suit your lifestyle, and compare providers by fees, perks and repayments.

Once you’ve selected a card, it’s time to apply. Credit card applications can generally be completed in store, online or over the phone.

When you apply for a credit card for the first time, you must meet age, residency and income requirements. As proof, you must also provide documentation such as bank account statements.

Should I get a credit card?

Once you've compared credit card interest rates and deals and found the right card for you, the actual process of getting a credit card is quite straightforward. You can apply for a credit card online, over the phone or in person at a bank branch. 

What should you do when you lose your credit card?

Losing your credit card is a serious situation, and could land you in financial trouble. Here is a simple guide detailing what to do when you lose your credit card.

Lock you card – Contact your provider and inform them about your lost credit card. From here lock, block or cancel your card.

Keep track of transactions – Look out for unauthorised credit card transactions. Most banks protect against fraudulent transactions.

Address recurring charges – If your card is linked to recurring charges (gym membership, rent, utilities), contact those businesses.

Check credit rate – To ensure you’re not the victim of identity theft, check your credit rating a month or two after you lose your credit card.

How do you apply for a credit card?

You can apply for a credit card online, over the phone or in person at the bank. Once you’ve compared the current credit card offers, the application process is quick and easy. Before you get your application started, you’ll need to gather your personal information like proof of ID, payslips and bank statements, proof of employment and details of your income, assets and liabilities. To be eligible for a credit card, you’ll need to be an Australian citizen over 18 and earn a minimum of $15,000 each year. Once you’ve applied for a credit card, you should get a response fairly instantly. If your credit card application has been approved, you should receive a welcome pack with your new credit card within 10-15 days.

What is a balance transfer credit card?

A balance transfer credit card lets you transfer your debt balance from one credit card to another. A balance transfer credit card generally has a 0 per cent interest rate for a set period of time. When you roll your debt balance over to a new credit card, you’ll be able to take advantage of the interest-free period to pay your credit card debt off faster without accruing additional interest charges. If your application is approved, the provider will pay out your old credit card and transfer your debt balance over to the new card. 

How to make a credit card online

If you’re wondering about how to make a credit card online application, here are some steps to follow:

  • Test the market. Many credit card options are available online. Compare providers by fees, interest and perks to ensure you’re getting the best deal.
  • Complete the application. Once you’ve selected a card, head to the provider’s website and complete the online credit card application form. Forms vary by providers.
  • Provide details. Most cards require you to meet age, residency, income and credit status condition, and you need to provide details like a bank account statement to prove this.
  • Review details. Ensure the information you’ve entered is correct.

How to pay a credit card

There are a few ways to pay a credit card bill. These include:

  • BPAY - allows you to safely make credit card payments online.
  • Direct debits - set up an automatic payment from your bank account to pay your credit card bill each month. You can choose how much you want to pay of your credit card bill when you set up the auto payments.
  • In a branch.
  • Via your credit card provider's app.

Do you need a credit card to get a loan?

You do not need a credit card to get a loan, but you usually need to have a credit history. Without a credit history, a financial institution cannot assess your ‘credit worthiness’, or your capacity to pay off the loan.

If you don’t have a credit card, your credit history can reflect any record of paying off an asset. Without any credit credit history, you’re limited in the type of loans you can apply for. But you may be able to obtain a secured loan against an asset. For more information on improving your credit score, go here

Can I get a credit card on part-time/casual work?

Yes, as credit card providers look at your annual income amount as well as your occupation. Minimum income requirements tend to be between $30,000 – $40,000 for standard and rewards credit cards, however low income credit cards can have minimum income requirements as low as $15,000 per year.

How many numbers are on a credit card?

The numbers on your credit card actually follow a universal standard which is used to identify specific functions. Each credit card has a different amount of numbers. Visa and Mastercard have 16, American Express has 15 and Diner’s Club has 14. 

The first number on a credit card always identifies what type of credit card it is. Visa cards start with a 4, whereas Mastercard starts with a 5 and American Express with a 3. The remainder of the digits represent the account number, including the last number which is used to verify that your credit card is actually valid. 

Credit cards also have additional verification numbers, which are mainly used when the card isn’t present for phone and online purchases. These are the three-digit numbers on the back of Visa and MasterCard or the four-digit numbers on the front of an American Express card.

How to get a free credit card

There's no such thing as a free lunch. All credit cards come with associated costs when used to make purchases, even if it’s simply the cost of making repayments.

However, many lenders offer incentives for customers such as a $0 annual fee or 0 per cent interest on purchases during an introductory period. Additionally, paying off your balance in full during an interest-free period means you could only have to pay back the cost of purchases without interest. You could also be eligible for additional rewards such as cashback during that time, saving you more money.

How do I apply for a credit card online?

Why do different credit reporting bureaus use different scores?

The reason Equifax, Experian and Illion use different scores is because they are independent companies with their own different methodologies. As a result, a score of, say, 700 would mean different things at different credit reporting bureaus.

However, the one thing they have in common is that they divide their scores into five tiers. So if you receive a tier-two credit score from one bureau, you will probably receive a tier-two score from the others, as well.